Trading up, down or relocating

Ready to make your next move? Whether you're upsizing, downsizing, relocating to Nelson-Tasman, buying a bach, or simply after a change, we make financing your next property straightforward so you can focus on finding the right home. As experienced Nelson-Tasman mortgage brokers, we'll negotiate the best rates and guide you through every step.

For our Nelson-Tasman clients, our Richmond office is next to the Library for face-to-face advice. We also work with clients virtually and with those based elsewhere in New Zealand.

Common situations we help with

Sizing up

Need more bedrooms, a bigger section, or space for a home office? We help you understand how much additional borrowing your income supports and structure your loan to keep repayments manageable.

Downsizing

Selling up and scaling back? Even with a smaller home, you may need a mortgage or want to restructure your lending. We’ll assess your equity, explore your options and map out the costs so you can move forward with confidence.

Renovating

Thinking of extending, updating, or doing a full remodel? If your home has built up equity, there may be more options available than you think. We'll help you work out what's possible and find the right way to finance it.

Relcoating to Nelson Tasman

Moving from another region? We can arrange pre-approval before you arrive, so you're ready to make offers with confidence. We know the local market and can connect you with other professionals you'll need.

Selling and buying at the same time

Timing a sale and purchase is stressful. We advise on bridging finance options, and help structure things so you're not left scrambling between settlement dates.

Accessing your equity

If your current home has grown in value, that equity can work as a deposit on your next property. We calculate what's available and structure borrowing across both properties if needed.

Your equity and borrowing power

Your borrowing capacity depends on your income, existing debts, and how much equity you have in your current property. Lenders assess these differently. We will assess what lender will be the best for your situation.

If your property has increased in value since you bought it, you've built up equity that can work as a deposit on your next property. This might mean you can purchase before selling, giving you time to find the right property without the pressure of tight deadlines.

We can calculate your usable equity, explain your options clearly, and make sure you go in with a clear picture of what's realistic.

Book a meeting to find out your borrowing capacity

Why use a mortgage adviser for your mortgage?

Buying your second, third, or fourth home or financing a renovation or extension - comes with different challenges than your first mortgage. You might be bridging between properties, juggling sale timelines, or leveraging existing equity - situations where having an expert in your corner makes all the difference.

And because a property move often prompts bigger financial decisions, we can also help with the things that sit alongside your mortgage - whether that's making sure your insurance cover reflects your new borrowing, reviewing your KiwiSaver settings, or taking a broader look at your financial position. It's worth getting those pieces right at the same time.

See our mortgage journey for a step-by-step guide to how we work.

What we handle for you

Pre-approval

Get conditional approval before you start house hunting.

Rate negotiation

We compare offers across multiple lenders and push for better deals.

Loan structuring

We advise on structures that suit your situation and goals.

Paperwork and coordination

We manage the application process and keep everything on track.

Bridging finance

We arrange short-term finance to cover the gap if required.

“I've refinanced mortgage through Castle Trust several times now. Stu's friendly approach and industry knowledge\experience has been invaluable to me. He's always managed to provide the right solution for my Mortgage needs as well as providing good ideas & advice regarding future financial planning. I would highly recommend using the team at Castle Trust Financial Planning..”

Mark B

Meet our mortgage experts

Our mortgage team of Stuart Pope, Chevaun Marshall, Rebecca Gray and Melaine Riley bring years of professional and personal experience helping clients move into their next home. Whether you're upsizing, downsizing, renovating or relocating from across the country, we've guided clients through every variation of the process.

Ready to make your next move book your
FREE initial consultation now

Chevaun Marshall

Mortgage Adviser. BBus, CPA

mortgages@castletrust.co.nz

Chevaun is a Mortgage Adviser with a wealth of skills. As well as a qualified Financial Adviser, she is also a qualified accountant with a Bachelor of Business majoring in Accounting and CPA. Having experienced the benefits of using a mortgage broker personally, she wanted to be able to help others with the same level of service that will get them into their own homes. She also has experience working for a large property investment company in Brisbane.

Book with Chevaun

Stuart Pope

Mortgage Adviser

mortgages@castletrust.co.nz

Stuart has two decades of experience as a Mortgage Broker – from helping first home buyers to complex commercial and multi-property investments. He previously owned his own mortgage broking business but simply became too popular and too busy. His attempt at retirement was short lived however, and he became a tutor for NZQA Certificate in Money Management. Joining Castle Trust lets him do something he enjoys but with additional office support.

Before Stu became a Mortgage Broker he owned his own hydraulic engineering business.

He is a member of Financial Advice New Zealand.

Book with Stuart

Frequently asked questions

Do I need to sell my current home first?

Not necessarily. Depending on your equity and income, you may be able to purchase first and sell later. We can advise on bridging finance options and help you understand the risks and costs involved.

What if my offer is conditional on selling my current home?

This is common and we can help structure your offer appropriately. We'll also advise on how to strengthen your position if you're competing against unconditional buyers.

How long does pre-approval take?

Typically 5-10 working days once we have your documents. We recommend starting this process before you begin seriously looking at properties.

Is there a cost for your services?

Our service is free to you, we're paid by the lender when your loan settles. If any fees ever apply, we'll tell you upfront.